Unified Payments Interface (UPI) has become one of the most popular and convenient methods for digital payments in India. Whether you’re sending money to friends, paying bills, or shopping online, UPI provides a seamless experience. However, to ensure security and smooth operations, daily transaction limits are enforced. Let’s explore the latest updates on UPI transaction limits as of 2025.
What Is the UPI Daily Transaction Limit?
The UPI daily transaction limit refers to the maximum amount of money and the number of transactions you can perform in a single day using UPI. These limits are governed by the National Payments Corporation of India (NPCI), banks, and UPI apps.
Latest UPI Limits in 2025
1. Amount Limit Per Day
- NPCI Limit: The maximum daily limit for UPI transactions is ₹2 lakh for most users. This is a recent increase from the earlier limit of ₹1 lakh to accommodate growing transaction volumes.
- Bank-Specific Limits: Some banks may set lower daily caps, ranging between ₹50,000 and ₹2 lakh, depending on the type of account and the user’s transaction history.
2. Number of Transactions Per Day
- Standard Limit: Most UPI platforms allow up to 20 transactions per day.
- Exceptions: Certain apps and banks may permit additional transactions for verified users or merchant accounts.
3. Merchant Transactions
- For payments made to registered merchants, the transaction limit may go up to ₹5 lakh per day, depending on the platform and the user’s bank.
4. International UPI Payments
- As UPI expands internationally, transactions made outside India have limits based on the currency and the bank’s policies. The equivalent of ₹2 lakh in foreign currency is generally allowed per day.
How to Check Your UPI Limit
- Using UPI Apps
- Open apps like Google Pay, PhonePe, or Paytm.
- Navigate to the settings or account section to view your transaction limits.
- Bank Customer Support
- Contact your bank or visit their website for the latest updates on their UPI transaction caps.
- Transaction Error Messages
- If you exceed the daily limit, the app will notify you with an error message, such as “Daily transaction limit exceeded.”
Factors That Influence UPI Transaction Limits
- User Type:
- Regular users typically have a limit of ₹2 lakh.
- Premium or verified accounts may enjoy higher limits.
- Bank Policies:
- Each bank sets its own UPI limits, which may vary for different account types.
- Transaction Type:
- Peer-to-peer (P2P) transactions usually adhere to standard limits.
- Merchant payments often have higher thresholds.
- Verification Status:
- Verified accounts with consistent transaction history may have more relaxed limits.
Common Errors Related to UPI Limits
- Limit Exceeded
- This error appears when you try to transact more than the daily or per-transaction cap.
- Bank Limit Reached
- Your bank’s internal limit for UPI transactions may differ from the app’s limit.
- Transaction Count Exceeded
- If you attempt more than 20 transactions in a day, this message is triggered.
How to Overcome UPI Limits
- Split Large Transactions
- For amounts exceeding ₹2 lakh, break the transfer into multiple transactions across different days.
- Use Multiple UPI Accounts
- Linking multiple bank accounts or using different UPI apps can help increase your effective limit.
- Upgrade Your Account
- Some banks allow higher limits for premium account holders.
- Alternative Payment Methods
- Use NEFT, IMPS, or RTGS for larger transfers.
Conclusion
The updated UPI transaction limits in 2025 reflect the platform’s growth and evolving user needs. With a daily cap of ₹2 lakh and allowances for merchant and international transactions, UPI remains a versatile and secure payment option. Understanding these limits can help you plan your transactions effectively and avoid errors.